Loans that change lives

Dear Nonzero Club member, new and old of Kiva:

I want to apologise that I did not write welcome letter to each new Nonzero Club members.
I do want to take this opportunity to thank you all for taking the initiative and making things happen in your life and many other people’s life.

I told people that Action Expresses Priority ( by Gandhi ). It is a process to get to know yourself better by consciously examining what you did and why you did it.